We are only days away from welcoming our second baby into the world. Our home feels full in every sense: Toddler toys in the living room, newborn clothes folded and waiting, a whole lot of pink added to all the blues.
Two babies.
One income.
A whole lot of love.
And a whole lot of responsibility.
There’s something about being this close to bringing another life into this world that makes you look at your finances differently. A desperate desire to set them up with financial success.
Transparency: the debt is starting to feel heavier.
I’ve decided this is the year to approach it differently.
More intentionally.
No more minimum payments.
2026 is the year of adding in micro payments.
$5 from a few surveys.
$10 from a referral bonus.
Cashback from groceries we were already buying.
A stock photo sale from an image I already captured.
Small amounts. Applied weekly. Repeated consistently.
Every extra dollar earned from these side hustle sites is going straight toward debt. Not extra spending. Not “fun money.” Freedom money.
Many of these platforms offer referral bonuses.
That means if you sign up through my link and complete the required action, you get a bonus… and I get a bonus too.
We literally help each other chip away at debt.
In this post, I’m sharing:
• Exactly what I earn
• Exactly what you earn
• What you have to complete to trigger the bonus
• And realistic expectations for each platform
If you’re in a season where you don’t have extra hours… but you do have pockets of time: nap time, after bedtime, nursing sessions, quiet evenings then this might be the kind of slow, steady momentum you’re looking for.
My stay at home mamas, it's time to lock in!
If you’re serious about becoming debt free this year…
Come build it with me.
One micro payment at a time.
All logos are linked with my referral link!
Just click the logo!
Before we talk about virtual tasks or stock photos or cashback stacking…
let’s start with the most accessible option:
Surveys.
Not glamorous.
Not passive income.
Not life-changing overnight.
But it is simple.
And right now, simple is exactly what I need.
I decided this past Monday (2/16) that 2026 would be our year of micro payments. It’s Wednesday (2/18) as I’m writing this. So let's see where I'm at now!
I am listing the sites in the order that I have signed up and tried them! :)
STARTING WITH MY TOP 3!!
Where I'm at today: $14.07
Referral structure:
I receive 100 points when you complete 10 surveys
You receive 200 bonus points after completing 10 surveys
This one rewards consistency. If you’re already planning to knock out surveys during downtime, those 10 surveys happen pretty quickly.
Where I'm at today: $12.82
Referral structure:
You get $5 when you download and play one game from the app
I earn anywhere from $13.10 to $100 during my first 7 days signed up
+ I’m already on day 2.
Yikes.
So if you’re going to try this one, sooner is better for both of us.
You literally just download and play one game. That’s it.
Where I'm at today: $5.31
Referral structure:
When you earn 300 SB in your first month, I receive a 300 SB bonus
300 SB = $3
This one rewards activity within your first 30 days.
Where I'm at today: $1.80
Referral structure:
I earn 10% commission on your survey earnings
Your income stays exactly the same
This one doesn’t take anything from you!! It just gives me a small percentage on top of what you earn!
Where I'm at today: $1.06
Referral structure:
I earn $0.10–$0.30 per signup
When you earn your first $5, I receive an additional $2 bonus
So if you’re actually planning to use it, that $5 milestone matters.
Here’s exactly where I’m at after just a couple of days:
That’s $35.06 in just a few days.
Is that a full paycheck? No.
But it is an extra $35 towards a debt just after only 2 DAYS!!!!!
And that’s the point.
I’m not here pretending I’m going to be making thousands. I literally started this week. I’m testing platforms, seeing which ones feel worth my time, and stacking every dollar toward debt.
If you sign up through my links and complete the qualifying tasks, we both earn.
We both apply it to debt.
We both move forward.
And that feels powerful.
If you’re opting out of your receipts or throwing receipts away right now… pause. 😂
Because in 2026? Receipts are tiny little reimbursement slips!
We are already the spending money:
Groceries.
Diapers.
Gas.
Postpartum essentials.
The random Target run that somehow turns into $143.
So if money is already leaving our account… I want some of that back.
• You shop like normal (online or in-store)
• You either click through a portal before checkout OR just scan your receipt afterward (which is what I do)
• You earn a percentage back or points
• Once you hit the payout threshold, you cash out
Where I'm at today: $5.00
Referral structure:
You sign up using my referral link.
You make qualifying purchases totaling $50 within 90 days of joining.
Once that $50 threshold is met…
You get $50.
I get $50.
Yes, you read that right! $50 each.
Important details:
The purchases must be qualifying purchases.
The $50 total must happen within 90 days of joining.
Just signing up does NOT trigger the bonus.
This one has unlimited bonuses, meaning the more referrals completed, the more bonuses can be earned.
If you were already planning to spend $50 online in the next three months (which realistically most of us will, this one is a strong win.
Where I'm at today: $5.00
Referral structure:
You sign up using my referral code.
You redeem a qualifying offer and earn cashback for the first time.
Once you complete that first cashback redemption:
You get $5.
I get up to $10.
Important:
You must actually earn cashback — not just sign up.
The bonus triggers after your first successful redemption.
And yes, you can keep referring others after that and repeat the process.
This one feels very doable because groceries are happening anyway.
CODE: CXVVCK
Where I'm at today: $6.00
Referral structure:
Fetch is the simplest of the three.
You:
You download the app using my referral link.
You submit your first receipt.
Once that first receipt is snapped:
We both receive referral points automatically.
Typically:
You get 2,000 points
I get 2,000 points
(They often run promotions where the referral points are even higher.)
No spending threshold.
No waiting 90 days.
No minimum dollar amount.
Just download → snap → earn.
This one is the lowest barrier to entry.
If you’re interested in hearing more about what I’m doing in my spare time
(virtual tasks, app testing, and selling stock photos)
stay tuned for Part Two of this blog!
But in the meantime?
This mama would genuinely appreciate your participation in bringing a little extra something to our debt-free journey.
If you were already planning to:
Shop online
Buy groceries
Download a receipt app
Please consider using my referral links and completing the qualifying steps so we both benefit.
Every $5.
Every $10.
Every $50 bonus.
It adds up.
We are days away from welcoming our second baby into this world, and stepping into 2026 with intention feels like the most grounded gift I can give our family.
Thank you for cheering us on.
Thank you for building alongside us.
And thank you for helping turn micro payments into macro freedom.
One survey, game, or receipt at a time. 🤍
